scholarly journals The Effects of Financial Literacy, Education, and Technology on the Sustainability of Sawan District’s Micro, Small, and Medium Enterprises (MSMEs)

2021 ◽  
Author(s):  
Made Ary Meitriana ◽  
Nyoman Trisna Herawati ◽  
I Nyoman Sujana
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Literacy Education ◽  
Education And Technology ◽  
Medium Enterprises

Pengembangan dan Validasi Modul Edukasi Literasi Keuangan Islami untuk Usaha Mikro, Kecil, dan Menengah

2018 ◽  
Vol 1 ◽  
pp. 320
Author(s):  
Ikka Nur Wahyuny ◽  
Lukman Hakim ◽  
Wiedy Murtini
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Financial Education ◽  
Literacy Education ◽  
Development Stage ◽  
Educational Module ◽  
Point Analysis ◽  
Addie Model ◽  
Medium Enterprises ◽  
The Impact

Various studies on financial literacy still focus on the measurement of financial literacy, exploration of Islamic financial literacy, and the impact of financial education on improving financial literacy. The existing studies still have no concerns and efforts to develop Module of Islamic Financial Literacy Education. This research aims to develop a valid Module of Islamic financial literacy education for Small and Medium Enterprises (SMEs). Development of media using ADDIE model. Materials and designs that have been compiled into draft Islamic Financial Literacy Education Module. At development stage obtained data from the filling sheet validation by experts and practicioner, experts in the field of training media, linguists, and practitioners of SMEs. Validation results are processed by cut off point analysis and ideal percentage to determine that the module made has met both criteria. Islamic Financial Literacy Education Module is considered valid and feasible by material experts, media experts, linguists, and SMEs practitioners. Based on the validation of experts and practitioner shows that the educational module is worthy to be used to improve the Islamic financial literacy of SMEs.

The Impact of Financial Literacy on Financial Preparedness for Retirement in the Small and Medium Enterprises Sector in Uganda

2020 ◽  
Vol 9 (3) ◽  
pp. 26-41
Author(s):  
Colin Agabalinda ◽  
Alain Vilard Ndi Isoh
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Group Analysis ◽  
Moderating Effect ◽  
Primary Data ◽  
Retirement Preparedness ◽  
Medium Enterprises ◽  
The Impact ◽  
The Relationship ◽  
Effect Of Age

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.

scholarly journals The effect of financial literacy towards financial inclusion through financial training

2019 ◽  
Vol 3 (1) ◽  
pp. 186-192
Author(s):  
Amram Rohi Bire ◽  
Heni Matelda Sauw ◽  
Maria
Keyword(s):  
Financial Literacy ◽  
Financial Training ◽  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Analysis Technique ◽  
The Future ◽  
Indirect Relationship ◽  
Medium Enterprises ◽  
The Relationship

The current study aimed to describe the influence of financial literacy on financial inclusion that mediated by financial training. It focused on Micro, Small, and Medium Enterprises (MSMEs). Respondents in the study were 54 respondents that were taken from 119 MSMEs in Kupang city, Indonesia. The analysis applied path analysis technique. It was to determine the direct or indirect relationship with SPSS Version 20. Analysis results have shown that financial literacy has got a direct and significant impact on financial inclusion. Its contribution to financial training is 33%. In the other side, the contribution of financial literacy towards inclusion is 32%.  Furthermore, financial training has mediated the relationship between financial literacy and financial inclusion. The presentation is 11%. This phenomenon shows that in the future, it is necessary to increase the frequency of financial training for MSMEs actors in Kupang city, Indonesia. The training has to be conducted to increase financial inclusion in understanding the knowledge of the financial product. Since the current study only examined financial literacy, financial inclusion, and financial training, it is suggested that the future researches may examine other aspects such as transparency, accountability, and quality of financial statements.

scholarly journals Digital Platform on Small and Medium Enterprises in Pandemic Era

2021 ◽  
Author(s):  
Jeftha Offel Arilony
Keyword(s):  
Qualitative Research ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Case Study Approach ◽  
Assistance Programs ◽  
Study Approach ◽  
Digital Era ◽  
Good Corporate Governance ◽  
Medium Enterprises

During the Covid-19 pandemic, companies must use the latest business platforms and technology. However, there are still many companies that have not been able to keep up with the latest business trends. In transforming the digital era, many companies apply the values of good corporate governance to avoid threats and risks of failure. To understand this problem further, a qualitative research was conducted using a case study approach. The analysis carried out focuses on efforts to foster MSMEs that have a contribution to improving the Indonesian economy. This study found that credit, training and assistance programs for MSMEs were still not able to strengthen the position of SMEs but increase the index of financial literacy and inclusion to accelerate income distribution in Indonesia.

scholarly journals Literasi Keuangan dan Pendapatan Usaha dalam Mempengaruhi Perilaku Menabung Pelaku UKM

2022 ◽  
Vol 1 (2) ◽  
pp. 205-212
Author(s):  
Baskoro A. Pamungkas ◽  
Heru Mulyanto ◽  
Meli Andriyani
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Research Data ◽  
The Other ◽  
Analysis Tool ◽  
Saving Behavior ◽  
Business Income ◽  
Medium Enterprises

Penelitian ini berusaha menganalisis pengaruh literasi keuangan dan pendapatan usaha terhadap perilaku menabung pelaku Usaha Kecil Menengah (UKM). Data penelitian melalui kuesioner yang diberikan kepada 282 pelaku UKM di Depok dari berbagai bidang. Regresi ganda digunakan sebagai alat analisis diolah dengan SPSS 23. Temuan penelitian diperolehnya pengaruh literasi keuangan terhadap perilaku menabung pelaku UKM di Depok. Literasi keuangan para pelaku UKM yang makin baik akan meningkatkan perilaku menabung. Temuan lainnya dalam penelitian ini adalah tidak adanya pengaruh pendapatan usaha terhadap perilaku menabung para pelaku UKM. This study analyzed the influence of financial literacy, and business income on the saving behavior of small and medium enterprises (SMEs). The research data was obtained from questionnaires given to 282 SMEs in Depok from various fields. Multiple regression analysis is used where SPSS Version 23 is used as an analysis tool. The findings of the study obtained the influence of financial literacy on the saving behavior of SMEs in Depok. On the other hand, business income has no effect on the saving behavior of SMEs.

scholarly journals Financial Literacy Model at Micro Small Medium Entreprise (MSMEs)

2018 ◽  
Vol 34 (2) ◽  
pp. 255-264
Author(s):  
Sri Widiyati ◽  
Edi Wijayanto ◽  
Prihartiningsih Prihartiningsih
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Moderate Level ◽  
Low Literacy ◽  
Economic Variables ◽  
Business Sustainability ◽  
Contingency Coefficient ◽  
Literacy Level ◽  
Medium Enterprises

Financial literacy level of MSMEs (Micro, Small, and Medium Enterprises) is only 15.68% and majority of the actors are unbanked. The level of MSMEs actors’ financial literacy is important in business sustainability. This study aims to measure level of MSMEs financial literacy and determine its correlation with demographic and economic variables as well as designing models to increase the literacy.Results show that 51 (25.5%) actors of  MSMEs  have low literacy level, 105 (52.5%) have moderate level, and the rest of 44 (22%) have high literacy level. Contingency Coefficient of <0.6 indicates that demographic and socioeconomic correlation is less strong in level of literacy.   

scholarly journals ANTECEDENT AND CONSEQUENCE FOR ACCOUNTING INFORMATION QUALITY ON INDONESIAN SMEs

2019 ◽  
Vol 4 (2) ◽  
pp. 142
Author(s):  
Wita Ramadhanti ◽  
Kurniawan Kurniawan ◽  
Mukhrodin Mukhrodin ◽  
Sri Murni Setiyawati
Keyword(s):  
Financial Literacy ◽  
Quantitative Research ◽  
Information Quality ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Credit Access ◽  
Independent Variables ◽  
Accounting Information Quality ◽  
Medium Enterprises ◽  
External Consultant

This research intended to observe the Accounting Information Quality during 2018, first year implementation of Indonesian Financial Accounting Standard for Micro Small and Medium Entity (SAK EMKM). This is a quantitative research using survey. The objects are Micro, Small and Medium Enterprises in Indonesia. Data is analyze using path analysis. Independent variables are financial literacy, Tax authority pressure, external consultant, Adoption of Marketing information technology. Dependent variables are Accounting Information Quality and Credit Access. The results show that Tax authority pressure and external consultant hiring has positive effect on Accounting Information Quality. Accounting Information Quality has effect on Credit Access. Therefore, further test reveal that Accounting Information Quality do not have mediating role between in the relations independent variables and Credit Access

scholarly journals Digital Platform on Small and Medium Enterprises in Pandemic Era

2021 ◽  
Author(s):  
Jeftha Offel Arilony
Keyword(s):  
Qualitative Research ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Case Study Approach ◽  
Assistance Programs ◽  
Study Approach ◽  
Digital Era ◽  
Good Corporate Governance ◽  
Medium Enterprises

During the Covid-19 pandemic, companies must use the latest business platforms and technology. However, there are still many companies that have not been able to keep up with the latest business trends. In transforming the digital era, many companies apply the values of good corporate governance to avoid threats and risks of failure. To understand this problem further, a qualitative research was conducted using a case study approach. The analysis carried out focuses on efforts to foster MSMEs that have a contribution to improving the Indonesian economy. This study found that credit, training and assistance programs for MSMEs were still not able to strengthen the position of SMEs but increase the index of financial literacy and inclusion to accelerate income distribution in Indonesia.

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